Andy Edmonds :Is it true that the auto insurance premiums are rising in US? How do I get cheap auto insurance quotes, since I have lost my job and need to complete my college, for which a car is necessary

Auto insurance for young driver :

Response : With the ongoing recession the expectations are that car insurance premiums are likely to go down this year. However, this is not the case. You have to be prepared to see a hike in your auto insurance rates, as per the insurance experts. This is one of the best times to search and get your cheap teen auto insurance or cheap car insurance for young drivers. You can win the challenge of getting cheap auto insurance quotes.

The Office of National Statistics state they presume that insurance premiums will continue to rise. Some states like New York and even Montana have seen an increase by as much as 12% depending on the vehicle driven. What is more worrying is the fact that some of the safe vehicles like that from Toyota and even General Motors models are being recalled for faults. There is continuous controversy on these issues. Among the increase in premiums are certain models of vehicles that have gone up as well. These particular models will have higher insurance premiums this year due to expanded risk ratings are Kia Sportage, Hyundai Sonata and Kia Lotze.

Who Will See the Increase in Premiums?

National U.S. averages show that 23 states have seen an increase in auto insurance premiums since January 2010. These states have seen the greatest increase so far:
Montana with a 12.9% increase
New Hampshire with a 9.9% increase
Wyoming with an 8.2% increase
With accidents at their lowest in the past three years, it leaves many scratching their heads as to why premiums are at an incline.

Why Are Premiums Going Up?
It can’t be predicted based off of 2 months that insurance rates will soar this year; although the trend from the past 2 years indicate that premiums will continue to sky rocket. However, the premiums are going up especially in states where there is “no-fault” insurance since the auto frauds are increasing. So you are a good driver, have little to no points on your record, and over 25 years old but your premiums still went up? You can still beat the traffic of high premiums by taking the right steps today.
Wise consumers like you are using free auto insurance quotes to find the best possible rates for sufficient coverage. In the mean time, the U.S. Senate is taking measures to try to stop this increase and calling for a financial breakdown of spending.

Using free auto insurance quotes provides access to find affordable coverage so that you can get car insurance at a reasonable price. Additionally, making two payments annually will save more on car insurance than paying every month. If money is tight and you no longer make payments on your vehicle, opt for just liability coverage. It is required by law to carry the minimum amount of coverage on auto insurance for each state. You can get cheap auto insurance if you keep a clean driving record, drive carefully and go for the best options of auto insurance coverage suitable for you. The secret is to compare auto insurance quotes online.
Thanks.
Kamlesh

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Jake Pavelka : What are the changes in teen driving regulations? Will this help in getting cheap car insurance for the young driver?

Teen driving changes and cheap auto insurance

Response : As on 23rd February 2010, a New York law has been brought into effect . The main objective of this is to strenghten the state’s existing graduated driver license (GDL) system for teenagers, according to the Insurance Information Institute (I.I.I.).

As per this there is a a teen driver or young driver under 21 years can have only one non-family member in the car.

Secondly they need to have 50 hours of supervised driving instead of 20 hours before the teenager can take a road test.

Third, out of 50 hours of training the young driver must have 15 hours after sunset.

Graduate Driving License is a three-phase program that gives teen drivers an opportunity to develop more mature driving attitudes and gain experience behind the wheel over a period of time. Florida became the first state to enact a GDL law in 1996, and GDL legislation has been credited with reducing the number of motor vehicle accidents involving teenaged drivers in that state and elsewhere.

Nonetheless, motor vehicle crashes remain one of the leading causes of death among 15- to 20-year-olds and insurance industry research shows that more than half of teens who die in crashes are passengers, many of whom are not wearing a seatbelt. In addition, the data indicates that a teen driver’s chance of getting into a fatal accident doubles when a teen passenger is in the car. With three or more passengers, the risk quadruples.

“Immaturity and lack of driving experience are the two main factors leading to high crash rates among teens,” said Barry. “Even the best teenage drivers don’t have the judgment that comes with experience. It affects their recognition of and response to hazardous situations and results in dangerous practices such as speeding and tailgating. Teens also tend to engage in riskier behavior—eating, talking on their cellphones and text messaging. The added distraction of another teen passenger in the car just adds to the risks facing young drivers.”

If you are parents than there are ways that you can get cheap car insurance quotes for your teen and young driver. The key is to keep your teen safe which is your first goal and than comes getting cheap car insurance. For this you need to :
1. Give confidence and support to your teenager so that he or she is encouraged to build up excellent road habits.
2. Ensure that they complete their graducated driving schools so that they know the safety rules of driving. The more driving practice your teen gets, the more confident he or she will be behind the wheel and the better able to react to challenging situations on the road.
3. Some insurers offer “safe driver” programs. Teen participants in these programs sign parent-teen driving contracts which outline the young driver’s responsibilities and the consequences of failure to meet those expectations. Check whether your insurance company has such a program—if your teenager completes the program, you may be eligible for a discount.
4. Pick up a safe car : I know that in this time and age this is a big deal since big names like Toyota and General Motors are also having issues, however, you can still pick up a car which is safe as per the safe cars given by the Insurance Information Institute.
5. In addition, insurance companies are helping to reduce the number of accidents involving teen drivers by subsidizing the cost of electronic devices, such as GPS systems and video cameras, which can monitor the way teens drive. These monitoring services are usually operated by independent companies and alert parents of unsafe driving by email, text message or phone. Some insurers now offer discounts for parents and teens who participate in these safe driving programs.
6. Talk to your teen about the dangers of drinking and driving and distracted driving.
Alcohol and driving do not mix. Parents should impose a no tolerance policy when it comes to alcohol and driving.

Once you teach your teenager the safety rules cheap car insurance will automotaically follow them.

Thanks.
Kamlesh

Amish Shah : Is text meassaing considered bad driving. Can you get cheap teen car insurance quotes by refraining from bad driving?

Texting Takes Over As Bad Driver Behavior

Teen auto insurance quotes- auto accidents

The above picture of the accident whose details are given here. My girl friend wasn’t PAYING ATTENTION TO HER DRIVING WHEN IT HAPPENED… SHE WAS PUTTING A CELL PHONE COVER ON HER CELL PHONE. (LIKE SHE NEEDED ANOTHER…) BANG! SHE CROSS’D THE LINE & HIT AN Audi TT IN KINGSPORT, TN, ON HER WAY BACK FROM THE MALL.

The car rolled one-and-a-half times in MID-AIR, & THEN IT LAND’D ON IT’S TOP before flipping over ON IT’S WHEELS FROM HITTING A HUGE ROCK. MICHELLE WASN’T HURT… JUST SHAKEN…

Don’t get me wrong, I was mad, but, unlike most boyfriends, I told her that is was just a car the main thing was that she wasn’t hurt.
Josh

Response : Text messaging is certainly considered bad driving.

Do you think that you also can give cheap teen auto insurance quotes to a driver who is not able to control the car, as show above? I am sure, you will agree that this is not possible. Yes, refrain from text messaging and driving and ensure that you get cheap teen auto insurance quotes.

Given below is data on text messaging.
Texting has caused fatal accidents, lead to imprisonment and also been considered as high auto insurance or distracted driving,Texting on cell phones is now considered an even more serious problem than talking on a cell phone, because it requires looking down at the message the sender is creating while moving fingers that should be on the steering wheel. In addition to not looking where they are going, text message senders are usually focused on their message – not on their driving. Experts tell us that taking your eyes off the road for even one to two seconds can make the difference between avoiding a crash and causing one.
Texting is a particularly serious concern because while 20 percent of drivers admit to texting, when you look at drivers in the age 18-24 year old category, 66 percent are sending or receiving text messages while driving. Add the distraction of text messaging to young driver inexperience and you’ve got a particularly lethal combination.

Currently only a few states outlaw texting while driving, fewer than those that prohibit talking on cell phones when driving, but more states are looking at making it illegal in the wake of a series of spectacular crashes with deadly results.

There’s no doubt having a cell phone with you when you travel is a great resource to use in calling for help or reporting trouble on the road. But whether you use a handheld phone or a hands free device, researchers and safety specialists agree that the only really safe way to use your phone – whether to call or to text message – is to safely pull off the road, stop and then make your call.

Be careful when driving, Stay safe and get your cheap teen auto insurance quote- here.

Shawn White : My teen – a young student has moved back home. He had his own auto insurance policy but now with my job gone. I am lokking for cheap students auto insurance quotes or teen car insurances. I cannot afford the high auto insurance premium. Please help me to get cheap car insurance?

Teen auto insurance : Cheap car insurance
Response : A recent Pew Research Center study found that, in the past year, nearly 13 percent of parents with grown children have had at least one of their adult sons or daughters return home to live for financial reasons. Saddled with college loans and unexpected job loss, these young adults are forced to live at home until they can find a job and get their finances back on track.

This is a time of economic down turn and with the layoff in the jobs, bad employment situation, you are not the only one. Yes, you might be considering the auto insurance coverage.

Teen auto insurance coverage is another important consideration. Does the young adult have his or her own car that needs to be added to the parent’s policy? Or does the young student need to be added as another driver of an existing family vehicle? The good news is parents can keep any member of the family on their auto insurance policy as long as that person lives in the same house. But rates may increase and to decrease this and get cheap auto insurances and the best car insurance rates you must start looking for additional discounts.

Here are some additional discounts that you can have – multiple auto insurance discount, multiple polices discount – coverage for home and auto insurance together gives you a discount of 10=15% on both. Low mileage discounts, anti-theft discount. You can still get your good grades discount and of course compare auto insurance quotes online to get the best auto insurance quotes. I am sure you will find cheap auto insurance quotes.

Jessica Dube : Why are teen drivers or new drivers, student drivers more likely to be in accidents? And how can they better prepare themselves to be safe when driving unsupervised? How can you reduce general auto insurance rates for students?

Students cheap car insurance

Response : It has been observed that the teens who have just learnt to drive are more prone to accidents within the first six months of their driving. This is because they are driving themselves without the support of an instructor or their parents. They lack the experience behind the wheel and are less likely to take a decision behind the wheel.

Over the 10 years period from 1998 to 2007 the young drivers killed in these fatal crashes have accounted for 39 to 43 percent of the total fatalities. In 2007, 3,174 of those killed in young-driver-related crashes (41%) were the young drivers themselves. Thus, the remaining 59 percent of those killed in fatal crashes involving young drivers were people other than the drivers. Approximately two-thirds of the people killed in these crashes are the young drivers themselves or the passengers of the young drivers.

Reducing general auto insurance rates for students and preventing accidents:

You can reduce general auto insurance rates for students, young drivers and get cheap teen auto insurances, if you can stop the accidents. Auto accidents are the main cause for increase in the auto insurance or car insurance overall rates for yourself and your group. You can prevent accidents and stay safe by implementing the following, since they have been found to be the main reason for auto accidents for this age group :
1) Know and follow the rules – it is in your own and your friends best interest to obey the rules. This is not a place or a time for experimenting or experiencing something.
2) Avoid having passengers in your car. They can distract you and you are risking their life also. It would be better to be alone and take the right decision.
3) Avoid distractions of the cell phone or text messaging. In most states now this would go under following the rules
4) Limit yourself from night driving.
5) Learn to drive in all kinds of weather first under supervision. Pick up the tips for driving in difficult weather conditions from your driving instructor, parents or a reliable source of information like the websites, or the NHSTA.
6) Do not drive when you are tired.
7) At all cost avoid drunk driving.
A little bit of precaution on your part would save you from adversities and also pave the road for cheap car insurance or cheap auto insurance. Why throw this away just for a thrill.